Study On The Construction Of Private Lending Financing Risk Assessment System For Smes

Small and medium-sized enterprises in our country is very important in the nationaleconomy, has become an important force in the economic development in ourcountry.Tightening of monetary policy in China since2011, after reducing the credit scale, thefirst cut is the size of the loan of small and medium-sized enterprises, a lot of money coldsnap, small and medium-sized enterprises find it difficult to get financing from the formalfinancial support, money became the biggest "bottleneck" restricting its development.Andfolk lending because its procedure is simple, short time limit and assure means variety andother obvious advantages, become the darling of most small and medium-sized enterprisefinancing options at present stage.But in wenzhou, zhejiang province, ordos in InnerMongolia and other places the boss "run road" phenomenon, the folk lending financing risk isincreasingly prominent, small and medium-sized enterprise’s survival and development faceserious challenges.This article from the perspective of the small and medium-sized enterprisesthemselves to prevent and control folk lending financing risk,through the in-depth analysis ofthe small and medium-sized enterprise financing status of private lending, identifies thepossible risks. Under the guidance of the principle of systematic, scientific, pertinence andoperability, set related qualitative and quantitative indicators,and construct the folk lendingfinancing risk index system.Then use the Delphi expert scoring method and fuzzy analytichierarchy process (ahp) to determine the risk index weight, and then the fuzzy mathematicalevaluation of financing risk level, finally put forward to prevent and control the risk oflending to small and medium-sized enterprise folk financing measures. The purpose of thispaper is to provide a reference method for folk lending financing risk assessment for smalland medium-sized enterprises,in order to timely identify,accurately assessment andeffectively control the financing risk,and make the folk lending to provide better funding andfinancing services to small and medium-sized enterprises.